Re: Bummed!!

5% from dealer financing on a new car with a 630 credit score? That would not be common in my opinion; likely can do better elsewhere but 9% isn't unreasonable in this instance. As others have posted, refinaincing in six months can likely reduce the interest rate by some amount.

Im not sure if this is what bodybuilder meant but OP's TU is 670... Hopefully Auto-Enhanced would be about that too... and with 670's you should actually qualify for tier 1 or 2 which if tryin gto finance should get you the promo, otherwords maybe a lease?

Re: Bummed!!

5% from dealer financing on a new car with a 630 credit score? That would not be common in my opinion; likely can do better elsewhere but 9% isn't unreasonable in this instance. As others have posted, refinaincing in six months can likely reduce the interest rate by some amount.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.